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Health insurance and Obamacare terms

What does health reform mean to you? Start with these definitions.


in network

In network refers to providers or health care facilities that are part of a health plan’s network of providers with… Read more

indemnity health plan

Indemnity health insurance plans are also called fee-for-service. These are the types of plans that primarily existed before the rise… Read more

independent practice association

IPAs are similar to HMOs, except that individuals receive care in a physician’s own office, rather than in an HMO… Read more

independent practice associations (IPAs)

Independent practice associations (IPAs) negotiate with insurers to provide services for insureds on a flat fee or retainer basis. They… Read more

individual health insurance

Individual health insurance is coverage that is purchased on an individual or family basis, as opposed to being offered by… Read more

individual mandate

The Affordable Care Act requires nearly everyone to have health insurance that meets minimum standards. With some exceptions, people who… Read more

individual shared-responsibility payment

Almost all Americans are required to have health insurance starting in 2014.  Some people are eligible for an exemption from… Read more

individual shared-responsibility provision

A requirement in the ACA that almost all Americans maintain health insurance coverage.  Some individuals are exempt from the requirement,… Read more

individual subsidies

Individual subsidies are included in the health reform legislation to help ensure the goals of the legislation's individual mandate. Legislation… Read more

insurance cooperatives

Cooperatives or insurance cooperatives were proposed in the Senate as an alternative to a proposed government plan or public option.… Read more

insurance exchange

A health insurance exchange mechanism is a key provision of health reform legislation, established to provide a selection of competing… Read more